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Flagstaff city, AZ

ZIP 86004 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 86004

Median Home Value
$464,100
Median Rent
$1,461
Affordability Snapshot
$128,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,981/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

26.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 86004 in Flagstaff city, AZ, a household would need roughly $128,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,981. That is about 65% above the local median household income ($77,486), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.2%-3% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
27.3%-45% vs US avg
x
Mortgage-Free
34.5%-10% vs US avg
x
$464,100
Home Value
$1,461
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached60.1%
  • 1-unit attached8.9%
  • 2-9 units10.4%
  • 10+ units10.5%
  • Mobile home & other10.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$464,100
Median rent$1,461
Owner-occupied63.2%
Vacant13.3%
Price-to-income6.0x
Est. income to buy$128,000